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5 Ways People Are Paying For The High Cost Of Childcare

The average cost of childcare in the US has risen to over $10,000 a year, says a report by Child Care Aware. That’s pretty steep, especially since parents are already struggling to cope with the higher cost of household goods and gas.

But you have to find a way since you can’t afford to stop working or take a salary cut just so you can work from home. Here are some options to help you pay for the cost of childcare, from long-term solutions like government assistance to faster financial sources like an online title loan.

Ways To Pay For The High Cost Of Childcare

1. State Subsidies

Most states have family assistance programs that can help low-income families with the cost of child care. They usually pay for a part of the daycare costs, calculated according to your income level and the number of kids you have.

To find out about these programs, go to your state’s official website or visit the Child Care Aware website to see their national database of resources.

Unfortunately, these assistance programs have a long waiting list, so it’s best to apply early and look for alternative ways of paying for childcare until your application is approved.

paying high cost childcare with online title loan

2. Non-Profit Organizations

Some organizations like the YMCA, Boy Scouts/Girl Scouts of America, religious organizations, or advocacy groups like the National Association for the Education of Young Children (NAEYC) offer scholarships, allowances, or sliding-scale fees.

While they have less funding than state programs, waiting lists may be shorter and you may be able to get special consideration if you have pressing circumstances (for example, if you are a single mom and the only head of household).

On the downside, you will have to research these organizations one by one and find out their individual requirements.

3. In-Home Daycare Providers

Commercial daycare centers can charge an arm and a leg. If you’re on a tight budget, consider enrolling your kids in a local family daycare, which is run by a provider in their own homes. These usually have a lower cost of childcare and have a cozy community vibe.

Ideally, get a licensed provider that has met state regulations for safety and child care training. You should also check the venue beforehand, and ask for testimonials from other parents. has a list of licensed home daycare providers in each state, though you’re more likely to find one by doing a quick Internet search in your city or asking friends and family if they can refer someone in your area.

4. Corporate Day Care Options

Ask your employer if they have on-site child care, or have formed partnerships with daycare facilities that will provide employee discounts that will lower the cost of childcare.

If they don’t have formal arrangements, they may help you connect with other working moms in your organization so you can apply for a group discount.

getting a title loan online

5. Online Title Loans

Subsidies and daycare assistance can certainly help with the cost of childcare, but it can take weeks (or even months) to get into a program. Until then, you need to find a way to pay for daycare now, or you may lose your job and end up in a bigger financial mess.

You can get an online title loan to get the fast cash you need to enroll your children in a daycare program for the next few weeks. This will allow you to focus on your job and know that they are safe and in good hands.

An online title loan is a personal loan where you use your vehicle title as collateral. You can qualify even if you have bad credit, and you can still use your car during the duration of the loan.

You just need to be the registered owner of a car or truck with a lien-free vehicle title. “Lien-free title” just means:

  • You already own the car outright
  • You are not using the title as collateral for any other loan
  • There are no current claims or court judgments against it

If your title meets those qualifications, and you can prove ownership by presenting the title and a government-issued ID, then you can apply for an online title loan.

Help Me Get An Online Title Loan Now!

Need to get a loan to cover the cost of child care or any other urgent financial need? Auto Cash USA can help you find an online title loan near you. The licensed lenders we work with can offer up to $15,000, and your title loan request can be processed and approved as soon as the same day.

All you have to do is fill out the online inquiry form, which will be sent to the nearest accredited lender. A loan expert will then call you to provide more details about the loan and how much you can qualify for. The amount is determined by your situation, documents, and a quick vehicle inspection of your vehicle.

After your call, you just have to set an appointment at your desired time and location, so the loan expert can verify your documents, inspect the vehicle, and help you with the forms. Once the loan is approved, you get the money the same day or the next business day.

It’s a fast, simple, and convenient way to raise money—and you can start the process right now! Reach out to us and take the first step to connect with your online title loan.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.